The key to finding cheap SR-22 insurance in Wisconsin is learning all about this type of insurance and how to access it. This comprehensive guide will make it simpler for you to gather facts that empower you as a consumer and a driver. When you educate yourself, you’ll feel more confident while you’re shopping around for a great deal on this form of insurance. We’ve collected information that will answer all of your questions.
What Is Cheap SR-22 Insurance in Wisconsin?
Cheap SR-22 insurance in Wisconsin is not actually insurance. Rather, it’s a certificate that proves that a Wisconsin driver has a sufficient level of auto insurance coverage. The SR-22 form is mandatory for some Wisconsin drivers, usually because they have driving infractions on their records. If you’ve been told to get this form, it’s important to do so, as having it will mean that you’re following rules that will help you to keep your driving privileges. However, you won’t qualify for the certificate unless you have adequate coverage, based on Wisconsin state rules and regulations, which may change from time to time.
Who Needs SR-22 Insurance?
Drivers who have broken state driving laws often need to get SR-22 insurance. There is a range of driving offenses that may lead to a driver needing an SR-22 certificate. Here are some examples of driving infractions that may necessitate the acquisition of an SR-22 form:
- DUI (driving under the influence)
- OWI (operating while intoxicated)
- DWI (driving while impaired)
- Reckless driving
- Driving without insurance
- Being at fault in a vehicular accident that harms or kills a person or persons
- Multiple driving infractions
How Much Insurance Coverage Is Needed To Qualify?
In order to qualify for SR-22 insurance in Wisconsin, you’ll need a certain level of car insurance coverage. $25,000 worth of bodily injury liability is needed, per individual. A driver must also have $50,000 worth of bodily injury liability, per vehicular accident, and $10,000 worth of property damage liability per automotive accident. In addition, a driver will need $25,000 worth of non-insured motorist coverage, per individual, and $50,000 worth of uninsured motorist coverage, per vehicular accident.
How To Shop For Cheap SR-22 Insurance
If you want to pay the least for this type of form, you should gather quotes from a few to several insurance companies. Bear in mind that some insurance firms in Wisconsin don’t offer this service. Once you have the quotes for SR-22 insurance, you can compare the prices and then decide on an insurance provider. Using quote data to make a decision about where to buy will be a smart strategy. Otherwise, you may pay more than you need to.
Average Rates for SR-22 Insurance in Wisconsin
Smart comparison shopping will get easier when you have a sense of what the average cost of SR-22 insurance in Wisconsin is. The following list features average SR-22 insurance rates for males aged 30, per annum, as per Value Penguin:
- USAA: $429.00
- Erie: $449.00
- American Family: $575.00
- State Farm: $633.00
- Artisan & Truckers: $801.00
- Geico: $1,002.00
- Allstate: $1,073.00
- Auto Owners: $2,060.00
How To Get An SR-22 Insurance Form
There are a few steps that you can follow in order to get the SR-22 certificate that you need. To make things easier for you, we’ll map out the process in a few straightforward steps. Here are the steps that you can follow:
1. Contact a Preferred Insurance Company
The insurance company that you’ve selected needs to be notified that you want an SR-22 certificate. So, reach out to an insurance firm representative and explain what you need. After you’ve done so, the representative should let you know whether they can fulfill your request. If they can, you may progress to step two.
2. Pay for the Service That You Need
You’ll need to pay a fee that covers the cost of processing the SR-22 certificate. In most cases, this isn’t a large amount of money. Prices for this service typically range between fifteen and thirty-five dollars. Since it isn’t an insurance policy, the price of filing is generally very affordable. If you gathered quotes, as was recommended earlier, you may have found a good deal on this service.
3. Ask Your Insurance Company Representative to File the SR-22 Form
The final step in the process is asking the insurance company to file your SR-22 certificate. In most cases, this will happen electronically. Some drivers fill out their own SR-22 forms, which insurance company representatives then file for them. In other cases, insurance firm staff members will fill out the forms for their clients. After the form is completed, it will be filed, and you’ll be provided with an SR-22 certificate.
Why This Form Of Insurance Is Important
If you’re asked to get an SR-22 insurance Wisconsin form, and you fail to do so, you may lose your driving privileges. This can negatively impact your career, family life, and friendships. Not being able to drive can be extremely inconvenient. As well, if you do lose your driving privileges, you will need to go through a process to get them reinstated, which is likely to require time, energy, and money. If you don’t have an SR-22 form as you’re supposed to, you’re in contravention of Wisconsin laws, and this may lead to legal penalties. Therefore, it’s important to get the certificate shortly after you’ve been told to do so.
Now that you know more about cheap SR-22 insurance Wisconsin, you’ll be one step closer to getting the certificate that you need. When you use the knowledge that you’ve gathered today to understand this type of insurance, and then purchase an affordable certificate, you’ll enjoy more peace of mind while you’re driving. While you may need to pay more for auto insurance coverage because the SR-22 designation puts you in the high-risk category, getting sufficient coverage and an SR-22 certificate will ensure that you have some protection from problems on the road, and the expenses and liability that may follow.
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